🏦Bank Scorer

INDEPENDENCE BANK OF KENTUCKY

OWENSBORO, KY · Supervised by FDIC

Est. 1909FDIC #8,136RSSD: FDIC-8136
Part ofINDEPENDENCE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2017

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.11%

Institution Profile

FDIC BankFind

Address

2425 Frederica St, OWENSBORO, KY

County

Daviess County

Established

January 1, 1909

Total Assets

$3.8B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2017

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 9 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$3.8B

Total Deposits

$3.1B

Net Loans

$2.0B

Net Income

$11M

ROA

1.11%

ROE

13.72%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate13.15%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

26

Branch Deposits

$3.2B

1-Year Change

-1

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,44574.95%13.15%
20231,58077.15%11.27%
20222,09176.71%12.20%
20212,55576.67%10.33%
20202,95676.05%9.61%
20191,92087.5%7.34%
20181,91288.6%6.01%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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